Quick, plain-English takes on mortgage rates, the housing market, refinancing and reverse mortgages from Russell McDonald and the team at Wymac Capital. New videos are added regularly. Subscribe on YouTube.
October 31, 2025
HOME Sales Are Falling Through and That’s REALLY Risky?
The housing market feels uncertain right now, but if you back out of a good deal, you might regret it. Once rates drop another 1.5% to 2%, millions of buyers will flood back in, and today’s hesitation could cost you…
October 30, 2025
Fed Cut Rates… But Mortgage Rates Went Up!
The Fed has cut rates twice, and yet mortgage rates are higher than before the first cut. If someone tells you to “lock now because of the Fed,” they’re misleading you.
October 29, 2025
Powell’s Rate Cuts Aren’t a Win – They’re Damage Control
The Fed is cutting rates again… and calling it “supporting growth.” Let’s be honest – it’s damage control.
October 28, 2025
HOME Prices Keep Going Up Despite High Mortgage Rates?
Case-Shiller says home prices are still rising, up 1.5% year-over-year. FHFA shows a 0.4% monthly gain and 2.3% annual increase.
October 28, 2025
Next Fed Chair Shortlist Revealed – What It Means for Mortgage Rates
The shortlist for the next Fed Chair is out – and your mortgage depends on who wins. A hawk keeps rates high. A dove cuts faster.
October 27, 2025
Renters Have the UPPER Hand Now What Happens to Rates?
Renters finally have the upper hand. Rent growth just hit its slowest pace in years, and landlords are offering deals.
October 24, 2025
What Made Your MORTGAGE More Expensive?
Most people don’t know this, but almost every mortgage in America is more expensive than it should be… because of Loan Level Price Adjustments.
October 24, 2025
MORTGAGE Rates Are About to Change After the Latest CPI Report?
The CPI data release today is here, but it's not straightforward. Inflation explained can be tricky because of the government shutdown and delayed data. With the Federal Reserve and Jerome Powell meeting soon, the…
October 23, 2025
All Eyes on Friday’s CPI Report After Shutdown Delay
All eyes are on Friday’s CPI report after weeks of shutdown delays. The data will finally drop, but with the BLS running on a skeleton crew, can we really trust it? Here’s what to expect for inflation, rents, and…
October 21, 2025
BLS Recalls Workers to Rush Out CPI Report
The BLS is recalling furloughed workers to rush out the September CPI report… and it’s starting to look like panic, not planning. The administration clearly didn’t expect the shutdown to last this long, and now the…
October 20, 2025
CPI Report Returns Despite Government Shutdown
The CPI report is back on the calendar even with the government still shut down. The BLS is recalling furloughed workers just to get it out before Social Security deadlines. But one inflation report doesn’t mean the…
October 17, 2025
Do You REALLY Own Your Home with a Reverse MORTGAGE?
A reverse mortgage doesn’t mean the bank owns your home. It’s simply a loan that lets you defer payments while staying in your home for as long as you meet the program rules. And since it’s non-recourse, you and your…
Russell McDonald | NMLS 290837 | Broker CA DRE 01150730
Wymac Capital Inc | NMLS 18766 | Broker CA DRE 01121628
Real Estate Broker – CA Dept of Real Estate